VanDyk Mortgage is your source for VA Loans and FHA Loans in Los Angeles. We have been making FHA, VA, Conforming, and Jumbo loans since 1987. VanDyk Mortgage is a Direct Lender. We offer many loan programs for Los Angeles Homebuyers and Los Angeles Homeowners to Purchase and refinance homes.

FHA & FHA Jumbo (aka High Balance)

VA & VA Jumbo (aka High Balance)

Conforming & Conforming Jumbo (aka High Balance or Super Conforming)

Jumbo Loans to $3m

Los Angeles FHA Loans are available up to $726,525 with just 3.5% down payment. The FHA 2019 Loan Limit for Los Angeles is $726,525. Los Angeles FHA Loans that are over $484K up to $726,525 are called FHA Jumbo or FHA High Balance loans.

Los Angeles VA Loans are available up to $726,525 with zero down payment. The Los Angeles VA Loan Limit in 2019 is $726,525. However, Veterans are not limited to the Los Angeles County Loan limit of $726,525 for VA Jumbo Loans. We offer VA Jumbo Loans over $1m, up to $1.5 Million with the appropriate down payment or equity to reach the VA Guarantee requirements of 25%. Here is one of our posts on how you can get a VanDyk Mortgage VA Loan over your county limit.

Los Angeles Conforming Loans are available up to $726,525. The Los Angeles Conforming Jumbo Loans (aka Conforming High Balance, those over $484,350 and up to $726,525) require a minimum of 5% down payment or equity. Conforming loans up to $484K require just 3% down payment!

Los Angeles Jumbo Loans for Purchase and Refinance to $3m. We offer Los Angeles Jumbo Loans for home purchase with a minimum of 5% down as well as Jumbo Cash out refinances up to $3m. We also offer bank statement Jumbo loans for Self-employed borrowers up to $1.5M with just 10% down payment.

The $726,525 is the base loan amount - the Los Angeles FHA Loan Limit of $726,525 does not have to include the UFMIP (FHA's Upfront Mortgage Insurance Premium, which is usually financed into your loan amount)

The Seller can pay up to 6% of your closing and settlement costs.

Minimum score for most FHA Home Loans is just 580, even on FHA High balance or FHA Jumbo.

You can receive a gift of funds for your Down payment and closing costs from Family

FHA Condominium Loans available for purchase and refinance up to $726K

FHA Loans allow non-occupying co-borrowers such as parents and siblings.

FHA Loans can be used to purchase 2-4 unit properties w/ 3.5% down when you occupy atleast 1 of the units.

VA Home Loans in Los Angeles, California:

Active Duty Military and Veterans can both qualify

100% financing up to $726,525 for 2019

A $900,000 Los Angeles Home Purchase using our VA Jumbo Loan would only require a $43,369 down payment - 4.819%

VA Loans require no Mortgage Insurance

VA Loans do require a VAFF (VA Funding Fee), which is usually financed

Veterans with a 10% or higher VA disability pay no VA Funding fee

Sellers can pay up to 4% of the VA Buyers closing costs

VA Jumbo Loans available up to $1.5M

VA Loans can be used to purchase 2-3-4 unit properties when you occupy 1 unit with no Rental or Landlord experience required

Conforming Home Loans in Los Angeles, California:

Available up to $726,525 with the Conforming High Balance (aka conforming Jumbo)

Conforming Jumbo loans require a minimum of 5% down payment or up to 95% LTV

Los Angeles Conforming loans available up to $484,350

Conforming loans up to $453k require just 3% down payment - up to 97% LTV

We are a Nationwide Mortgage Banker. We offer quality mortgage solutions for both residential home purchase, refinance, and streamline.Call today to find out how we are different and what that means to you.

California Residential Mortgage Lender registered by the California State Department of Business Oversight

Georgia Residential Mortgage Licensee #22013

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VanDyk Mortgage is a private company specializing in FHA & VA financing, VanDyk Mortgage Corp is not a government agency.